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    • No DWP is in denial, the Errol Graham case has caused much concern   https://www.disabilitynewsservice.com/errol-graham-coroner-pledges-to-press-dwp-on-safeguarding-review/   Something is amiss with the procedures, Capita and the PIP Assessments seem to go against what a claimant's doctors say quite often, as do the UC Work Capability Assessments
    • oh don't you just love fleecers out to make a buck out of people they think are just mugs..
    • Useful link, BN.   The article mentions that the National Audit Office said that the DWP isn't learning anything from its mistakes.   HB
    • 1.     The Claimant claims £9,240.52 for monies due from the Defendant.   2.     This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited.  Each agreement had an individual account number as follows: 01xxxxxxxx, 00xxxxxxx, 97xxxxxxx, 96xxxxxxx.   3.     The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated.   Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s).   4.     The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant.   A new master reference number xxxxxxxxxxxxx was also applied upon assignment.   5.     The Claimant has complied with the Pre-Action Protocol for Debt Claims   DEFENCE ……………...   The Defendant contends that the particulars of claim are vague and generic in nature.  The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.   1.     Paragraph 1 2 is noted and denied accepted . I have had financial dealings with The Student Loans company in the past.  I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2.     Paragraph 2 is noted and accepted.  I did take out 4 student loans with the Student Loans Company.   2.     Paragraph 3 is noted and denied.  The Defendant never agreed to make payments to the Claimant, terms of the original Student Loans Agreement have been adhered to and thus repayments of loans are not due.  The Claimant is put to strict proof that an agreement(s) to make payments was made and a breach of agreement(s) occurred.   Paragraph 3 is denied as The Defendant maintains that a default notices were never received. The Claimant is put to strict proof that default notices were issued to, and received by the Defendant    3. Paragraphs1 & 4 are denied.The annual income of the Defendant has never exceeded the published limits for deferral since graduating in XXXX. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly provided by the Claimant pursuant to the LoP Act 1925.   4.      On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant, to which both have failed to respond to,  It is therefore denied with regards to the Defendant owing any monies to the Claimant;  the Claimant has failed to provide any evidence of credit agreement/assignment/balance/breach requested by CPR 31.14, and remains in default of my section 77 CCA Request, therefore the Claimant is put to strict proof to: (a)   Show how the Defendant has entered into an agreement(s) (b)  Show how the Defendant is in breach of agreement(s) (c)   Show why the Claimant has terminated agreement(s) show the nature of breach and service of Default Notices and subsequent Notice of Sums in Arrears in accordance with the Consumer  Credit Act (d)  Show how the Claimant has reached the amount claimed for and (e)   Show how the Claimant has the legal right, either under statute or equity to issue a claim.     5. On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant,  for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77 requests and their solicitors, Drydens Limited, have refused my CPR 31.14 request.    6.     The Defendant has supplied the Claimant with a deferment letter and evidence every year that their income is below the threshold for repayments, by way of Royal Mail signed for and proof of postage has been kept. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.      7.     The Defendant has done everything required of them to qualify for deferment as per the original agreement(s) with The Student Loans company.  The Claimant has only once acknowledged a deferment letter on 16 September 2014 whereupon they granted their request to defer repayments for that year. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8.The Defendant therefore fails to see how they are in breach of any agreement(s) and deny the Claimant's claim of £9,240.52 or any other sum, or relief of any kind. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief        ……………………………...   delete the red add the blue.    
    • Is this better?   In the Bristol Civic Justice Centre   Claimant name and address xxxxxxxx xxxxxx xx xxxxxx xxxx xxxxxxxxxxx xxxxxxxxxxxxxx xxxx xxx   Defendants name and address Nissan Motor (GB) Limited, The Rivers Office Park, Denham Way, Maple Cross, Rickmansworth, Hertfordshire, WD3 9YS.   Brief details of claim Damages   Value £225   Particulars of claim 1. The Defendant is a Data Controller within the meaning of the Data Protection Act 2018 and is responsible for the processing of data of which the Claimant is a Subject.     2. This claim is in relation to three breaches of the Data Protection Act (2018) by the Defendant. (a) Failure to comply with the statutory time limit. (b) The Defendants data disclosure was incomplete. (c) The Defendant sent the data to an address which was not the address of the      Claimant data Subject.    3. The Defendant has failed to comply with the statutory time limit and is therefore in breach of the Data Protection Act (2018). (a) On 09 January 2020, the Claimant made a request for to the Defendant for a statutory data disclosure.  The statutory timeframe for compliance was 10 February 2020.    4. The Defendants data disclosure is incomplete.  (a) The Defendant has provided data disclosure on 25 February 2020.  However, the data disclosure that has been provided by the Defendant is incomplete.    5. The Defendant sent the disclosure to an address that was not the Claimant’s. (a) The Claimant provided the Defendant with the correct address to send the Subject Access Request to on 10 January 2020 and again on 19 February 2020.      6. The Claimant has made a complaint to the Information Commissioner’s Office (ICO) asking for a statutory assessment to be carried out.  The ICO has offered a preliminary view that the Defendant has breached their statutory duty in failing to comply with the statutory time limit.    7. By virtue of the Defendant’s failure to comply with the Subject Access Request the Claimant has suffered distress.
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9 minutes ago, fletch70 said:

Ny the way Toby, can you tell me where (apart from in the right wing press) Corbin ever offered open door immigration and full benefits (not that they are worth much) as soon as you arrive? 

 

+1

 

10 minutes ago, fletch70 said:

As by it’s definition, capitalism must at some point fail, you can not keep increasing profits for ever the question is, are we in late capitalism as many think. 

 

Personally I think the system has been on its knees for years, but they all failed to realise the financial sectors ability to create money out of nothing.  In theory we could keep going on forever.

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First

Have you two already chosen to forget the discussion a few pages back where those immigration policies were declared?

Perhaps if you both hadn't avoided answering so hard, you wouldn't have 'forgotten so easily and quick;y

 

To refresh your memories Start here

https://www.consumeractiongroup.co.uk/topic/397253-article-50-discussion/?do=findComment&comment=5020258

 

lefty memory seems to be taking on the Brexit promises tactic 'prove we said that, then prove we meant that'

Labourlist quotes were used her in summary. Go from there - presumably avoiding it like you did then

 

 

and

" As by it’s definition, capitalism must at some point fail, you can not keep increasing profits for ever the question is "

 

You are mistaking inflationary monetary policy with capitalism as well as MANY other things which are pipedreams.

 

and I'm not claiming that our current capitalist system is good or right, just that it needs tweaking, not replacing with a proven  inferior product.

 

 

 

and what did you say about Corbyn instantly resigning against my claim he would hang on and on if he lost Jase?

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Oh and Merry Christmas to all remainers, even the loony left,

and even to those who were forced to vote for Tories due to fear of Corbyns antics.

 

Not to Hard  Brexiters though, as Corbyn has already arranged your best Christmas ever.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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On 13/11/2019 at 12:19, Jase1982 said:

I thought Labour's official policy on immigration was open borders?  Or at least that's what they said at their party conference.

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Oh Toby

where do I start

Firstly what is voted for at conference does not automatically become political policy or at least not a priority. 
 

Secondly you are misunderstanding increase in profits. I do not mean inflationary profits but real  profits provided by real increased sales and real bottom line profits. This is the goal of capitalism. 
 

Also what do you mean by a proven inferior product? Socialism is the next stage after the collapse of capitalism so I’m not convinced we have fully seen it yet. You might not like the methods but China has pulled more people out of absolute poverty than anyone else in history. 
 

Lenin and his NEP was a passable move on the way to socialism. 
 

Let’s look at it another way, travel in the less developed regions of Eastern Europe and you will see less beggars, more cooperation and more respect for others than you ever see in the UK. I am currently in Kyiv and would, in the right circumstances move here. 


Any opinion I give is from personal experience .

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You are using China with its absolute dictatorship and 're-education' camps as an example?

and Russia under its dictators?

 

yeah right

 

 

1 hour ago, fletch70 said:

Let’s look at it another way, travel in the less developed regions of Eastern Europe and you will see less beggars, more cooperation and more respect for others than you ever see in the UK. I am currently in Kyiv and would, in the right circumstances move here. 

 

You mean like the UK was 30/40/50 years ago?

 

 

 

 

and you are defining your own view of capitalism,

just as there are various opinions, examples and interpretations of what Marxism is.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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.. most fantasy wishful thinking


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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4 hours ago, tobyjugg2 said:

and I'm not claiming that our current capitalist system is good or right, just that it needs tweaking, not replacing with a proven  inferior product.

 

 

I don't see how you can claim anything that would come after capitalism is proven to be inferior?  The big lie is that there have ever been wholesale socialist or communist countries.  They've all had to accept varying degrees of market influence because you can't have anything else running alongside capitalist markets.

 

Tory Britain capitalism has driven us towards is a profit driven society where compassion and society come last down the pecking order.  I haven't got any real issue with the idea of capitalism, but you can't have a free market without wholesale regulation and extreme state intervention - something Tories dont believe in.  The drive for increased profit and privatisation of public services has had a direct hand in increasing poverty, homelessness and the cost of living.  It's no coincidence that inequality has shot up over the last 30 years.

 

I'm starting to sound like a broken record now but I'm convinced the Tories deliberately ran our industry down and pushed us towards a low wage, low skilled economy in order to create Tory voters because the original working class aren't working class anymore.  I don't get why anyone can be happy with this version of capitalism.

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" I don't see how you can claim anything that would come after capitalism is proven to be inferior?  "

 

Name one that is?

 

Russian marxism?

Communist China?

North Korea?

Iranian theocracy?

 

All supposedly 'post capitalism

 

 

Basic human nature

 

You have a country of a million people that goes communist

To each as they need from each as they are able

 

1. Immediately some will swing the lead,

2 . then others will see them getting away with it, and start saying why should they work hard when those working less are sitting at home enjoying the fruits more - and either work less or become disaffected dissidents who say the system is unfair.

3. some mechanism has to be put in place to force the lazy ones to work with some elite deciding

 

- Dictatorship in three easy steps,

 

 

Name one attempt that hasn't

 

 

The basic concept of Marxism defines it

Overthrow the current elite who think they are entitled,

and replace them ...

-- with themselves as 'actually the more entitled to be entitled.

 

 

Shangri-La isn't real you know.

 

 

 

You moan about our capitalism - but it IS what we vote for.

You are the definition of that disaffected

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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31 minutes ago, tobyjugg2 said:

" I don't see how you can claim anything that would come after capitalism is proven to be inferior?  "

 

Name one that is?

 

Russian marxism?

Communist China?

North Korea?

Iranian theocracy?

 

All supposedly 'post capitalism

 

Basic human nature

 

I disagree any are post capitalist though.  Just various forms of authoritarian regimes mixed with a degree of other forms of governance.  It's as you say, there always needs to be someone at the top "controlling" things in their own vision.  That's the challenge really, but I think that any forms of governance "should" work as long as the person or people at the top are basically jesus.

 

31 minutes ago, tobyjugg2 said:

1. Immediately some will swing the lead,

2 . then others will see them getting away with it, and start saying why should they work hard when those working less are sitting at home enjoying the fruits more - and either work less or become disaffected dissidents who say the system is unfair.

3. some mechanism has to be put in place to force the lazy ones to work with some elite deciding

 

- Dictatorship in three easy steps,

 

 

Name one attempt that hasn't

 

 

The basic concept of Marxism defines it

Overthrow the current elite who think they are entitled,

and replace them ...

-- with themselves as 'actually the more entitled to be entitled.

 

 

Shangri-La isn't real you know.

 

 

 

You moan about our capitalism - but it IS what we vote for.

You are the definition of that disaffected

 

 

 

Your point two assumes market forces are still prevalent, and that currency is the primary motivator for all humans.  I would argue we can't have communism where any market forces exist because they create classes, and where classes exist the worst human traits like envy and jealousy will define human motivation.  Your point makes assumptions about lazy people and basically the have's and the have not's - take away the need to accumulate wealth or "things" and people wouldn't be looking over their shoulder at what their neighbours have, or drawing assertions about whether or not someone is lazy.  Surely in a free society people should have the right to be lazy if they choose to be?

 

These circumstances just make it easier for whomever "they" are to maintain their own wealth and power because we are constantly divided.

 

It isn't what I vote for, I vote for people that at least have an idea of what something better could look like.

Edited by Jase1982

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Shangri-la isnt real

 

and Corbyn isnt even close.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Attempted de-selection of MP's voted in by the electorate because they voice disagreement

replacement of people who voice disagreement with his sycophants

 

Sounds just like another Stalin or Mao to me.


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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5 hours ago, tobyjugg2 said:

You are using China with its absolute dictatorship and 're-education' camps as an example?

and Russia under its dictators?

 

yeah right

 

 

 

You mean like the UK was 30/40/50 years ago?

 

 

 

 

and you are defining your own view of capitalism,

just as there are various opinions, examples and interpretations of what Marxism is.

I stated a fact about China , I did not say the methods were acceptable. 
 

I suggest you look into Marxism and compare it to what happened in the Soviet Union. Possibly save for a couple of years, Marxism did not exist. Incidentally Marx did not think we were evolved sufficiently for communism to succeed , hence the step of socialism with the dictatorship of the proletariat - think the short lived Paris Commune -Nationalisation and public not private ownership of the means of production. 

 

Kyiv is NOTHING like the UK was 50 years ago. Well certainly not in the North West where I lived. You just can not compare the two. 
 

Incidentally I think you have fallen for the hype of the New Right and Right realist authors when you think socialism means excuses to be lazy. Why not just admit you are a New Right Capitalist and be done with it. Being a remainer and New Right doesn’t have to be mutually exclusive . Ask David Cameron and Nick Clegg


Any opinion I give is from personal experience .

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Just to add , Stalin was a paranoid dictator and others liked the Russian vice a bit too much 


Any opinion I give is from personal experience .

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Going off topic, I just wanted to wish everyone a very Merry Christmas. Have a great day. 🌲


Illegitimi non carborundum

 

 

 

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Yup, thanks, :) Same to you.

 

Important to note, that We are leaving the EU Jan 31st, stuff all we can do about it now, Tories have a huge majority with zero opposition, stuff all we can do about it now.  Labour will not be in a fit state to win an election till 2029 if we are lucky, stuff all we can do about it now.

 

Life will pretty much carry on as normal, we will all go to work, shop at the supermarket, get on a train, go to the pub etc etc. Just saying overall the UK is / will remain a pretty decent place to live for the vast majority.

 

Merry Christmas and a happy new year everybody.


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Same to you HB,  have great dayand all on CAG, its a Bailiff Free day today as well so respite fro some.  and a Bah humbug to the useless politicians of all parties.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Belated Happy Christmas from me although here it isn’t Christmas until 7th Jan - you might have guessed I’m in Kyiv on my jollies. 


Any opinion I give is from personal experience .

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Season's greetings, Fletch.

 

Is it snowy in Kyiv? I don't suppose it's very warm.

 

I went there for a couple of days when we still spelled it Kiev [I assume we're talking about the same place?]  I remember tree-lined roads with wooden dachas, it was attractive.


Illegitimi non carborundum

 

 

 

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There is no snow and the temp is very much on a par with the uk . They have forecast snow for the weekend but not much, a little different to my first visit in about 2011 when it was -16 on the first night.

 

Yes they are the same place, Kyiv is the Ukrainian spelling and Kiev is the Russian version so you see why they have changed it. 
 

It’s still cheap and the people nice although not many speak English ( except the one in the Metro today when I tried to use fingers for the number of tokens I wanted and she said ‘ I can speak English you know’.  I should have asked but most just shake their heads. 
 

 


Any opinion I give is from personal experience .

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I think I'll pass on the -16. :)

 

Hoping it stays mild-ish and that there isn't much snow.


Illegitimi non carborundum

 

 

 

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On 25/12/2019 at 10:03, London1971 said:

Life will pretty much carry on as normal, we will all go to work, shop at the supermarket, get on a train, go to the pub etc etc. Just saying overall the UK is / will remain a pretty decent place to live for the vast majority.

I hope you’re right , sadly I am less optimistic. I am relatively well insulated, at least for the next 4 years but I think inequality will widen and possibly back to the dark days of Thatcherism and riots. Let us hope I am wrong. 


Any opinion I give is from personal experience .

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On 24/12/2019 at 22:15, fletch70 said:

 

Incidentally I think you have fallen for the hype of the New Right and Right realist authors

 

 

LoL

 

say two who think

 

*  Anything post capitalist and Marxist is positive

- despite all forms of Marxism immediately displaying themselves as despotic dictatorships as soon as implemented

 

* Corbyn can bring anything or anyone together

when he wouldn't work with ANYONE else

- Not even his own sycophants in many cases

 

* Money is the root of all evil

- despite at core being nothing other than a token barter system that enables trade and business, but CAN be used in negative ways

 

* capitalism is destined to fail due to inflationary financial processes

- When communist countries use the same mechanisms - which are not essential to either Capitalism or Marxism

- Check out the Islamic view on making money from money - they are 100% right in that.

 

* Hope for everyone to be kind and 100% giving

- because you are a damned capitalists if you don't, and you would never see hunger or deprivation in a communist country

- .... and thats what they do all the time ...... ?

 

* marxism is great

- just not any of the ones so far

- apart from a few tiny bits which when taken in isolation from the horrendous methods might have worked out OK ... if just given a few more thousands of years

 

* Corbyn is the answer

- when he's repeatedly proven to be one of the problems

 

* Corbyn and his 100,000 supporters are right

- everyone else is wrong and they just need to be 'convinced' to get it right (anyone seeing the issues in 'Communist China? with 're-education')

 

 

 

 

ROFL

Wait until all those folk who voted for Corbyn in a last dying hope of a confirmatory referendum - that he would almost certainly have NEVER delivered in  the way people hoped anyway - get their next chance to vote ...

 

Corbyn will sit there continuing to hope that he will yet be seen as the lesser of two evils.

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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You may think you think what I think but you are so wide of the mark as to be laughable. 
 

I don’t think I said any of those things and your interpretation of what I did say is really rather amusing. 


Any opinion I give is from personal experience .

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